Personal banking

Bank Accounts

Digital exclusive offer

Get $350 and pay no monthly fee for up to 12 months with a CIBC Smart Account.

Bank your way

We offer the access you expect with top-ranked online and mobile banking, plus one of the largest ATM networks across Canada.

Sign up with ease

Apply for an account in 5 minutes — online, by phone or in person.

Enjoy great value

Get the most from your accounts with our great tips and expert guidance. We can help steer your finances in the right direction.

Find the best bank account for you

Our featured accounts

Chequing

 

CIBC Smart™ Account

 

 Digital exclusive offer

Get $350 and pay no monthly fee for up to 12 months when you open your first chequing account.


 

Free Interac e-Transfer® transactions1

Monthly fee waiver available2

Monthly fee: $4.95 to $14.95

Transactions3, 4

Up to 12: $4.95

13 to 20: Additional $1.25 each

Unlimited: $14.95

Savings

CIBC eAdvantage®
Savings Account

 

Bonus rate

You could get a bonus rate when you open your first savings account. Apply in 5 minutes!

†† Limits apply.


 

Free online transfers between your CIBC personal bank accounts

Monthly fee: $0

Interest rate: RDS%rate[3].CESA.Published(null,0.0_up to_4999.99_CAD_Balance,1,1)(#O2#)% on every dollar5

Transactions3: $5.00 each

Chequing

CIBC Smart™ Plus
Account

 Digital exclusive offer

Get $350 when you open your first chequing account. Plus, enjoy all-in-one banking with over $500 in value.◊◊


 

Includes a premium CIBC credit card with annual fee rebates6,7

Unlimited transactions including Interac e-Transfer service8

Unlimited ATM cash withdrawals in Canada, the U.S. and internationally9

Monthly fee rebate available10

Monthly fee: $29.95

Transactions3: Unlimited

Save money with rewards and discounts

Link your Journie Rewards card to save on every fill-up at participating Chevron, Ultramar and Pioneer gas stations.

Learn more about Journie Rewards

Start getting money back on your everyday purchases at top retailers with CIBC and Paymi.

Learn more about Paymi 

Put away money for tuition and books by saving on everyday purchases. Get a free SPC membership as a CIBC student or youth client.

Learn more about SPC

Great services and features


Overdraft protection

eStatements


 

Automate your banking

Pre-authorized payments

Recurring fund transfers

Direct deposit

How to

Order foreign cash online

How to

Open a joint account

Flying paper airplane made out of money

How to

Send money with Interac e-Transfer®